Live Bank Home & Mortgage Loan ROI

Compare current interest rates across nationalized banks, private banks, and NBFCs in India. Rates below are indicative starting points — final rates depend on your CIBIL score, loan amount, tenure, and lender's underwriting.

How to read this table: “Home Loan ROI” is the indicative interest rate for a residential home purchase or construction loan. “Mortgage Loan ROI” (also called Loan Against Property or LAP) is for commercial/residential property-backed loans. Both are floating rates linked to EBLR (External Benchmark Lending Rate). Actual rates vary by profile — call us for your best rate →

EMI per ₹10 Lakh by Rate

A quick reference for what one percentage point actually costs you on a 20-year loan.

Live Home Loan Interest Rates - FAQs

How often are these rates updated?
Rates are updated daily from lender rate cards. Last updated date is shown on the page. Always confirm current rate with us before applying.
What is the difference between Home Loan ROI and Mortgage Loan ROI?
Home Loan ROI is for residential purchase/construction. Mortgage Loan ROI (LAP) is for commercial/residential property-backed loans. LAP rates are typically 1-2% higher.
Are these rates guaranteed?
No — rates are indicative based on lender published rate cards. Final rate depends on your profile (CIBIL, income, LTV, property type). Call us for your exact rate.
What is EBLR and how does it affect my rate?
EBLR (External Benchmark Lending Rate) is the RBI-mandated benchmark (linked to repo rate). Your floating rate = EBLR + spread. When repo changes, your rate resets quarterly.
Can I negotiate a better rate than shown?
Yes — strong profiles (CIBIL 750+, stable income, low LTV) often get better-than-published rates. We negotiate with lenders on your behalf.